Auto Loans
A new (or new to you) vehicle can provide smiles for miles. Get a great rate, up to 100% financing, and complete your loan application online, in person, or by phone! You can even choose to e-sign your loan documents and complete the entire loan from the comfort of your home. Our friendly loan experts make the loan process a breeze. You deserve a great loan experience for YOUR next loan - Apply Today!
Get Pre-Qualified
- Shop with confidence
- Know how much you can afford
- Speeds up the loan process
Are you enrolled in 1st CCU Anywhere Online or Mobile Banking? For a faster loan application experience, log in and select 'Apply for a loan'; many of the form's fields will pre-fill with your information.
Do It All From Home
- Apply online in minutes, day or night
- Opt for secure e-signing of your documents
- Quick and easy way to borrow
Refinance
- When you love your ride, but hate your rate
- We might be able to lower your payments
- Flexible terms from 12-84 months**
- Securely e-sign loan documents from anywhere
Auto Loans
- Buy new, used, or refinance
- Flexible terms from 12-84 months*
- Securely e-sign loan documents from anywhere
Drive Your Loan To 1st CCU
It pays to shop around and compare rates! If you love your current vehicle but you're paying too much for the financing, refinance your loan to 1st CCU. It's easier than you think! And bringing your loan to us could help you:
- Save money with a lower interest rate, so you pay less over the life of the loan
- Save money by lowering your monthly payments
- Take advantage of equity with a cash-out option ~ Ask for details!
Current Rates
| Loan Type | 24 Mo APR | 36 Mo APR | 48 Mo APR | 60 Mo APR | 72 Mo APR** | 84 Mo APR** |
|---|---|---|---|---|---|---|
| 2025 (new) - 2026 (<15,000 miles) |
5.24% | 5.39% | 5.54% | 5.69% | 5.99% | 6.24% |
| Used 2021-2025 Vehicles | 5.49% | 5.64% | 5.79% | 5.94% | 6.24% | --- |
| Used 2015-2020 Vehicle | 6.24% | 6.39% | 6.54% | 6.69% | --- | --- |
| Older Vehicles |
9.90% | 10.15% | 10.65% | 11.40% | --- | --- |
| Older vehicle loans not eligible for discounts; minimum loan amount $1,000 | ||||||
| *APR=Annual Percentage Rate. Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. **Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. | ||||||
Jennifer Rickert
Consumer Loan Officer
Lauren Tiggelaar
Consumer Loan Officer
Certified Credit Union Financial Counselor
What Our Members Are Saying
Most standard auto insurance policies cover the actual cash value of the vehicle you are financing. What would you do if the vehicle you financed was stolen, accidentally damaged beyond repair, or otherwise declared an insured total loss? Unfortunately, you would remain financially liable for any shortfall between the net insurance settlement and what you owe on your loan. This could amount to thousands of dollars you owe on a vehicle you no longer have. GAP Coverage covers the costs of that gap between what the insurance company pays you and what you owe on your loan. It can help protect your personal credit rating and provide peace of mind.
When your vehicle is your daily driver, you need to know that you're covered in case of an emergency. A Vehicle Service Contract can protect your investment and may offer roadside assistance, rental vehicle assistance, tire road hazard and trip interruption coverage.
Shop for a new car from home! With our AutoSMART website you could find the car of your dreams at any time of the day, from any device! Search dealerships from 10 miles away to across the nation, it's easy to use.
Coverage to help pay for repairs from everyday road hazards, everything from wheel repair and windshield repair to door dings and 24/7 Roadside Assistance.
The coverage products listed above are subject to qualifications. Price and availability may vary based on the vehicle being financed, the loan size, and other factors. See a 1st CCU Loan Officer for full details.
Protect your loan balance or loan payments in the case of death, disability, involuntary unemployment or qualified family leave. Depending on the type of policy you choose, this protection could cancel your loan balance or loan payments up to the contract maximums.
Credit Life and Disability Insurance is subject to qualifications, including but not limited to collateral, loan size, and age of borrower. See a 1st CCU Loan Officer for full details.
